Dental Insurance Information for Graduate Students

Grad 102 August 26th 2012
Dental Insurance for Grad Students
Javier Sanchez-Yamagishi Former Committee Chair of GSC Housing & Community Affairs Fellow grad student

First write this down graddental.mit.edu (hard) Deadlines – Sept 15th!

Why dental insurance? Discounts and coverage for.. Preventive & Diagnostic Services – 2x year cleanings, x rays Minor restorative services – cavity fillings Major services – Root canals, crowns, wisdom teeth removal *Dental Insurance is OPTIONAL*

Today talk about two Dental insurance options Delta Dental PPO Value Plan MIT Grad Dental Plan Administered by MIT (ODGE) Delta Dental DeltaCare (HMO) Administered by 3rd party company University Health Plans Note – These are not your only options

Delta Dental PPO Value Plan MIT Grad Dental Plan – administered by ODGE Enrollment Deadline– Sept 15th Covers from Oct 1st 2012 to Sept 30th 2013 Charge as lump sum in beginning of year No cancellations MIT students and families only

Delta Dental PPO Value Plan - Coverage In network 100% coverage of Diagnostic and Preventative Services (i.e. Regular Exams, Teeth Cleanings, X-rays) Discounts on restorative services (fillings, oral surgery) and other dental work Out of Network Diagnostic and Preventative services only are covered up to 80%

Delta Dental PPO Value Plan - Network Large network size Hundreds of dentists in a 5mi radius of campus MIT Dental is NOT included

Delta Dental PPO Value Plan - Cost Individual - $251.52 annually ($20.96/month) Family - $636.00 annually ($53.00/month) Paid as lump sum due Oct 2012 Deadline Sept 15th. Enrollment is open now graddental.mit.edu

Delta Dental DeltaCare Plan Administered by University Health Plans- no direct MIT Connection Alternative plan which may be useful to students who: Anticipate major dental care Are married without children Visit graddental.mit.edu for more details Register at: http://www.universityhealthplans.com/

Delta Dental DeltaCare Plan – key differences More expensive (ex +$60 for individual plan) and smaller network (15 providers near campus) Has greater coverage for major dental work cavities, root canals, oral surgery Up to ~40%-70% coverage of costs Offers Individual + 1 option

Delta Dental DeltaCare Plan Cost & Enrollement Student Only - $311.00 annually ($25.92/month) Student + 1 dependent - $582.00 annually ($48.50/month) Student + 2 or more depend. - $875.00 annually ($72.92 /month) Next Deadline – Sept 15th! Coverage from Oct 1 2011 to August 31 2012 Full lump sum paid on enrollment

PPO plan vsDeltaCare

Ex of cost differences (02139)

Visit the websites!! graddental.mit.edu Questions? graddental@mit.edu http://www.universityhealthplans.com/ Sept 15th Deadline for BOTH plans

Dental Insurance Information for Graduate Students

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Dental Insurance for Grad Students